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UAE mortgage affordability calculator

Estimate how much you can afford, based on your income, debts, credit card limits and the cash you have available for a down payment.

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You could afford a property up to

3,000,000 AED

Your down payment is the limiting factor — more cash unlocks a higher property value.

Maximum mortgage
2,400,000 AED
Estimated monthly payment
14,030 AED
Down payment used (20%)
600,000 AED
Monthly budget available
14,500 AED
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Estimates use a 5% stress rate over 25 years, a 50% debt-burden ratio and 80% maximum LTV. Your actual eligibility depends on the bank and your full profile.

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How our UAE mortgage eligibility calculator works

Every UAE bank sizes your loan on the same three pillars — income, existing commitments and cash available. Here is what actually moves the number.

Your income

Income is the single biggest driver of how much you can borrow. As a rule of thumb, UAE banks cap the loan at around seven times your annual income, and your total monthly debt cannot exceed 50% of your monthly income.

Debt-Burden Ratio (DBR)

Lenders measure your monthly debts — including the future mortgage payment — as a ratio of your monthly income. The regulatory ceiling is 50%. Banks also apply a higher stress interest rate when calculating your future payment to account for rate hikes.

Credit cards count

Even with a zero balance, banks treat 5% of your total credit card limit as a monthly obligation. Cancelling an unused card can meaningfully increase your borrowing power.

Down payment

The UAE Mortgage Cap requires expat residents to put down at least 20% of the property value (15% for UAE nationals), plus around 6% in acquisition costs, all from your own cash.

Want the exact number?

This calculator is a fast estimate using standard UAE rules. Bank policies differ significantly on bonus income, allowances, rental income, self-employed profiles and non-resident cases — which is where a real comparison changes the answer.

Answer a few questions and we will match your profile against 18+ UAE lenders and show only the offers you actually qualify for. Two minutes, no credit check, AED 0 brokerage fees.

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Mortgage glossary

All of your monthly debt repayments divided by your gross monthly income. UAE lenders cap this at 50%, including the new mortgage instalment calculated at a stressed rate.

The mortgage amount compared with the valued price of the property. The higher your down payment, the lower your LTV. Expat residents can borrow up to 80% LTV on a first property under AED 5M.

Paying off a loan with regular payments over time so the balance decreases with each instalment. Standard UAE mortgages fully amortise over the term.

A higher interest rate banks use in affordability maths — typically 2%–4% above the offered rate — to confirm you could still pay if rates rise.

A mortgage where the rate is set at the outset and does not change for an agreed fixed period, after which it reverts to a variable rate linked to EIBOR plus a margin.

Borrowing against the equity in a property you already own — the current value minus the outstanding mortgage — usually received as a lump sum.

A bank's written confirmation of how much it is willing to lend you, based on your verified documents. Valid for 60–90 days and essential before you make an offer.

The one-off purchase costs in the UAE: DLD transfer, property and mortgage registration, agency commission, bank processing and valuation — roughly 6% of the property value.